How often do these rate filings happen?

Filings go to the AIRB on a regular basis. This could be to request a rate increase or decrease or to change how insurers calculate their rates. The AIRB typically posts approved rates on a quarterly basis, which means that some of the decisions were made up to 90 days before the posting. Filing approval decisions are made in accordance with the Automobile Insurance Premiums Regulation.

However, on January 26, 2023, the Alberta government announced a freeze on all private passenger vehicle (PPV) auto insurance rate filings until the end of 2023. In its communications, government has been clear that drivers may still see rate increases on their renewals in 2023, due to previously approved rate changes, changes to driving records including at-fault claims and tickets, or changes to insurance profiles such as a new address or a different vehicle being insured.